They finally showed me a screen that warns of the delay, but that's not how I made the payment and the other screen does not have this warning. They were surprised I didn't understand the delay, and I explained that's not how it worked before. How did I discover this I had tested a payment well before the due date and wondered why it hadn't been cashed, so called Quicken. Who wants to have to think about this? Bill Pay's date was the target delivery date and worked great. Plus trying to pay with Check Pay results in not being delivered to the payer by the scheduled date, but being sent on that date and taking 4-10 days to arrive. Then there's the billers that don't work and can't be removed without contacting Quicken and having them remove them from their end.